Crise do capital, refrações da "questão social" e Serviço Social

Silva, José Fernando Siqueira da; Sant’Ana, Raquel Santos; Silva, Ademir Alves da

doi:10.22422/2238-1856.2015v15n30p9-17

Cited by 1 publication

(1 citation statement)

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“…By incorporating these indicators into their credit risk management systems, traditional banks and financial institutions intend to increase credit risk prediction while minimizing social and environmental damage. Social banks, as opposed to SRI and the incorporation of sustainability risks into decision-making, make loans with the goal of providing social or environmental benefits (da Silva 2007;Edery 2006).…”

Section: Social Banking Vs Social Financementioning

confidence: 99%

The Role of Social Banking in the Success and Sustainable Business Continuity of SSMEs

Stavropoulou

Spinthiropoulos

Garefalakis

et al. 2023

IJFS

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The technological developments in the social economy have significant implications for social banks and are optimistically changing the way social retail banks conduct their business. Social banks can invest in social services for small- and medium-sized enterprises (SSMEs) either to acquire a strategic advantage or out of strategic necessity. With the assistance of a mathematical model, this study tries to identify SME service channels and assess potential impacts on social deposit banks’ performance. In the first stage, the proposed model estimates the predictive capacity of interpretive accounting variables (financial ratios) versus the interpreted accounting variable (future quarterly earnings before taxes (EBT)). Then, in the second stage, the SSME service channels were added to the earnings before tax model in terms of profitability measure, which informs corporate earnings before operating the business to account for the income tax attributed to it for the purpose of estimating their impact on the performance of social banks. According to our findings, the banks are investing in SME services just to validate their investments in SME services as a strategic necessity. SSMEs services do not provide any strategic advantage to any banks in terms of financial or accounting performance or efficiency since the banks are already efficient. Investing in SMEs is a tool for preserving their strategic positions. Therefore, the contribution of this study is focused on the fact that it highlights the impact of financing the social deposit banking industry on institutions, while most studies analyze the vice versa interaction.

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Section: Social Banking Vs Social Financementioning

confidence: 99%